"divine intervention" kind of stuff
I had one of the characters (the wiz5, going for elem.sav(air) at CL6) die. He was grabbed by the neck by a choker and pulled to the ceiling of a cave. No-one had ranged weapons. Only the NPC sorcerer could reach it. Took too many rounds. choked to death.
I played out of the room a 'near-death' experience with him; he was in a big empty area, with cloud-like things in it. He heard a disembodied voice say "so young one, you died a little to soon. I'm going to send you back, but you must help us." Then he recovered with lots of coughing. Rest of party was sure he was dead, but suddenly he wasn't.
So it was 'divine' intervention, and made sure he'd bite to a quest I offered them (an invisible stalker, forced to do a job for a wizard, didn't want to and was failing), but it also set him neatly on the path to his prestige class elemental savant (air).
I also thought that choking to death right before you get on the path to being able to 'sustain without air' was quite fitting. Invisible Stalker told him: "I am now going to tell you how you can learn to never choke again."
The only real negative he'd got from this was a big scar around his neck (prints of the choker's grasp), which incidentally looks a lot like someone who was hanged and survived, and consequently easily branded 'criminal' by locals. He now wears a scarf all the time (a very nice and prettty silk scarf that costed him 100gp brewhahaha).
So, now 'raise dead' or new char issue, but a more quest-like solution. This is not always possible I do understand.